Briqwise - Risk and return review
Briqwise - Returns and loss rates
Briqwise – Platform statistics 2026
Briqwise – Pros & Cons
About Briqwise
What it is
Briqwise is a Dutch platform where wealthier investors lend directly to owners of business property in the Netherlands. It is run by Briqwise B.V., registered in 2018. Each loan goes to one investor as a whole: you put in at least €100,000 and become the lender on one property. Up to the end of 2025 the platform had arranged 916 loans, and its home page states more than €400 million lent in total. The website is in Dutch only.
How it works
Property owners whom banks turn down apply through Briqwise, often via an intermediary. Briqwise checks the borrower and the building and sets the terms. Approved loans are offered to registered investors; when you take one, the mortgage is signed at a Dutch notary in your own name. Loans run from 6 months to 20 years, most between 1 and 5 years, are repaid in monthly instalments and pay a fixed rate each month. When several investors want the same loan, it is allocated by lottery.
Returns
Briqwise states an average interest rate of about 7% a year (October 2024) and advertises fixed rates of 6% to 8%. Loans on offer on 30 October 2026 paid 6.40% to 7.35%. These are rates before fees: the investor pays a one-off fee of 0.5% to 2% and 0.5% a year to Briqwise, both before VAT, which takes up to about one and a half points a year off the rate. No figure for what investors actually earned after fees is published.
Losses and defaults
Investors have lost nothing so far: no write-offs and no missed payments to investors since the start, as of 31 December 2025. Borrowers, however, do fall behind, and more often than before. In 2025, 5.6% of the loans running at the start of the year went into default (more than 90 days late or unlikely to pay), up from 3.9% in 2024; the average since the start is 2.7%. These rates count loans, not amounts. Since the start 67 borrowers were more than 90 days late; 47 caught up and 20 cases were still open at the end of 2025. Investors were still paid in all of them because Briqwise itself covers the missed payments.
What secures your money
Each loan is secured by a first-ranking mortgage on the property, registered at a notary in your own name. Under Dutch law this lets the lender sell the property without going to court first if the borrower defaults. Loans may be at most 75% of the property's valuation; the average is about 51%. The borrower also gives a personal guarantee, and rent and insurance payouts are pledged where possible. On top of that, Briqwise guarantees your monthly interest and repayments even if the borrower stops paying. That promise is only as strong as Briqwise B.V. itself, which does not publish its accounts. No figures are published on what has been recovered from defaulted loans. For you this means real-estate security of good quality, plus a payment promise whose strength you cannot check.
Who runs it and its licence
Briqwise B.V. (Dutch company register 71580867) holds a European crowdfunding licence from the Dutch market regulator, the AFM, number 32000051, valid from 1 May 2024 for arranging loans. No warning or sanction by the regulator has been found.
Fees
Signing up is free. Investors pay a one-off fee of 0.5% to 2% of the amount lent, depending on the loan term, and 0.5% a year, taken monthly from the loan payments; both are before VAT. Notary costs come on top.
Getting your money out
Your money comes back through the monthly instalments and at the end of the loan. There is no market to sell a loan to other investors; a loan can only be transferred to someone else through a notary.
Our view
Return: Low — about 7% a year before fees, which take up to around one and a half points. Risk: Low (higher means more risk) — investors have lost nothing so far and each loan has a first mortgage in your name, at about half the property's value on average. On its own this is the lowest level, Very Low; we set it one step higher, at Low, because the zero losses rest on Briqwise's own payment guarantee while its accounts are not published, and borrower defaults rose to 5.6% in 2025. Risk-return: Medium — a modest return for a low level of risk, with a clean record that depends on a guarantee that cannot be checked.
Regulation
License / Regulation: AFM (Autoriteit Financiële Markten, Netherlands): European crowdfunding service provider licence 32000051, valid from 1 May 2024, held by Briqwise B.V. (KvK 71580867) for facilitating the granting of loans, under Regulation (EU) 2020/1503.
Functionality
For Investors
Useful Information
Yes. Briqwise B.V. holds a European crowdfunding licence from the Dutch regulator AFM, number 32000051, valid from 1 May 2024 for arranging loans.
No separate bank or payment institution is named. Your loan amount goes to the borrower through the notary when the mortgage is signed. The monthly instalments are passed on to you by Briqwise.
€100,000 per loan. Each loan goes to one investor as a whole, so you hold one loan on one property.
Briqwise states an average rate of about 7% a year before fees; loans on offer in October 2026 paid 6.40% to 7.35%. Investors have had no losses or missed payments since the start (end 2025), although 5.6% of borrowers' loans went into default in 2025, because Briqwise covers missed payments itself.
A first-ranking mortgage on the property, registered in your own name, at most 75% and on average about 51% of its value, plus the borrower's personal guarantee. Briqwise also guarantees your monthly payments if the borrower stops paying, but it does not publish its own accounts, so the strength of that promise cannot be checked.
There is no market on the platform. A loan can only be transferred to another person through a notary; otherwise your money comes back through the monthly instalments and at the end of the term.
A one-off fee of 0.5% to 2% of the amount lent, depending on the term, and 0.5% a year taken from the loan payments, both before VAT. Notary costs come on top. Signing up is free.
The mortgage is in your name, so your claim on the borrower and the property remains. But you would lose Briqwise's payment guarantee and its servicing, and would have to collect payments or enforce the mortgage yourself or through a new servicer. No wind-down plan is published.
Because Briqwise pays investors the missed interest and repayments itself and then pursues the borrower. Of 67 borrowers who were more than 90 days late since the start, 47 caught up and 20 cases were still open at the end of 2025.
